Sign Up for Updates


   Info and options

Core Program Areas

Agriculture Education Emergencies Health HIV and AIDS Microfinance Peacebuilding Water and Sanitation

Cross-Cutting Areas

Capacity Strengthening Climate Change ICT4D IHD Monitoring and Evaluation Youth

Entries in savings-led microfinance (21)

Friday
Sep262014

Empowering Women Through Savings Groups: A Study from the Wellness and Agriculture for Life Advancement (WALA) Program 

  

This study explores women’s participation and leadership in savings groups in the CRS-led and USAID-funded Wellness and Agriculture for Life Advancement (WALA) program in southern Malawi. The objective of the study was to understand how WALA-supported savings groups advanced women’s empowerment and long-lasting changes to gender power equalities. The report presents research design, methodologies, analysis and key findings, and recommendations for action.

Download the PDF (1.34 MB)

Click to read more ...

Thursday
Feb272014

Private Service Provider Implementation Manual

Private Service Provider Implementation Manual   

This manual provides step-by-step guidance to local organizations that wish to use the Private Service Provider, fee-for-service approach to implementing a savings group program.

The manual is divided into four modules:

  1. Project planning and agent recruitment
  2. Agent training and supervision
  3. Agent certification
  4. Organization of agents into sustainable networks

Download the PDF (2.8 MB)
Read online

Click to read more ...

Thursday
Oct172013

How SILC Members Use Their Money: A Study of SILC Fund Use in Zambia

How SILC Members Use Their Money: A Study of SILC Fund Use in Zambia   

There is much anecdotal evidence to suggest participation in savings and internal lending communities (SILC) helps members to meet key household needs. However, there is little information on exactly how members are using SILC funds and how these uses improve their livelihoods.

This product-use study provides insight into exactly how members are using the three primary SILC funds (loans, social fund, and savings at share-out), how these uses are affecting livelihoods and how SILC group members perceive the funds.

Download the PDF (796 KB)

Click to read more ...

Friday
May102013

Savings and Internal Lending Communities (SILC) Field Agent Guide

Savings and Internal Lending Communities (SILC) Field Agent Guide  

This guide describes how to establish savings and internal lending communities. The instructions are intended for two audiences: field agents and those who train and supervise field agents.

Download the PDF (2.2 MB)

Click to read more ...

Wednesday
Nov072012

Self-Esteem, Self-Efficacy and Hope Among Vulnerable Adolescents Affected by HIV and Participating in Community-Based Savings and Lending Groups in Rural Nyanga District, Zimbabwe

Self-Esteem, Self-Efficacy and Hope Among Vulnerable Adolescents Affected by HIV and Participating in Community-Based Savings and Lending Groups in Rural Nyanga District, Zimbabwe   

Do adolescents who participate in savings groups have more self-esteem, self-efficacy and hope? Research in Zimbabwe suggests that yes, they do. Savings groups may provide a way for adolescents to address immediate financial concerns and build mental health resilience for the future.

Download the PDF (479 KB)

Click to read more ...

Tuesday
Oct092012

Redefining Sustainability: CRS' PSP–SILC Model

  

Savings groups are in high demand throughout the developing world. But what is the best way to ensure that everyone who wants to belong to a savings group is able to join one and receive the necessary support? This presentation outlines Catholic Relief Services' new approach, which utilizes private service providers who form and support savings groups on a sustainable, fee-for-service basis.

Download the PDF (517 KB)
Browse the research briefs
Learn more at the 2012 SEEP Annual Conference

Click to read more ...

Tuesday
Oct022012

An Evaluation of Household Impact Among Fee-for-Service Savings Groups

An Evaluation of Household Impact Among Fee-for-Service Savings Groups

  

This paper shares findings from a large-scale Randomized Control Trial of households that participated in Savings and Internal Lending Community groups in Kenya, Tanzania and Uganda. It compares households that used Private Service Provider savings groups and households that used traditional savings groups. This is the fifth research brief in the SILC Innovations series.

Download the PDF (2.6 MB)
Read online

Click to read more ...

Tuesday
Jul242012

An Analysis of Agent Earnings in Fee-for-Service Savings Groups

This paper shares findings from a large-scale Randomized Control Trial of households that participated in Savings and Internal Lending Community groups in Kenya, Tanzania and Uganda. It looks at patterns in group payments. It also compares Private Service Providers’ incomes and field agents’ stipends. This is the fourth research brief in the SILC Innovations series.

Download the PDF (2.5 MB)
Read online

Click to read more ...

Tuesday
Jul242012

Group Performance in Fee-for-Service Savings Groups

This paper shares findings from a large-scale Randomized Control Trial of households that participated in Savings and Internal Lending Community groups in Kenya, Tanzania and Uganda. It compares the performance of groups supported by Private Service Providers and groups supported by project-paid field agents. This is the third research brief in the SILC Innovations series.

Download the PDF (2.2 MB)
Read online

Click to read more ...

Tuesday
Jul242012

Agent Productivity in Fee-for-Service Savings Groups

This paper shares findings from a large-scale Randomized Control Trial conducted in Kenya, Tanzania and Uganda. It compares the productivity of Private Service Providers and the productivity of project-paid field agents. This is the second research brief in the SILC Innovations series.

Download the PDF (3.1 MB)
Read online

Click to read more ...

Tuesday
Feb212012

Poverty Outreach in Fee-for-Service Savings Groups

  

This research paper shares findings from a large-scale Randomized Control Trial conducted in Kenya, Tanzania and Uganda. The paper describes the poverty profile of community members that participate in CRS' Savings and Internal Lending Communities and shows that CRS is reaching the very poor. Additionally, communities that paid for SILC services through Private Service Providers achieved greater resilience than those that received subsidized support through the traditional field agent approach. This is the first research brief in the SILC Innovations series.

Download the PDF (1.82 MB)

Click to read more ...

Wednesday
Nov092011

Savings and Internal Lending Communities (SILC) – Voices from Africa

Savings and Internal Lending Communities (SILC) – Voices from Africa draws on the insights and field experience of many CRS microfinance practitioners, and captures promising practices in the emerging area of savings-led microfinance. The publication provides interesting highlights on the work of SILC as it links with other sectors in improving financial access to poor and marginalized households.  

Download the PDF (1.2 MB)
Read online

Click to read more ...

Monday
Nov072011

MUSO Plus

Kisa MUSO Plus la ye? Li yon fason nan yon kominote ka travay ansamn pou fe plis ekonomi, jwenn posiblite fe kredi, epi pemet kominote sila-yo gen tet kole ansamn.

Download the PDF (1.5 MB)

Click to read more ...

Monday
Jun202011

Harnessing the Power of Savings and Lending Communities to Drive Agroenterprise Development in Ghana

Cracking the Nut Conference: Overcoming Obstacles to Rural and Agricultural Finances

For smallholder farmers in Ghana, limited access to agricultural finance and quality agriculture extension support are the two most binding constraints to achieving increased production and productivity. They also struggle to find reliable and qualified agricultural extension support. This paper highlights an innovative strategy used by CRS to mobilize partners into small groups in order to improve their access to finance for agricultural investment through savings and internal lending communities (SILC) and enhance the outreach of extension officers without increasing their workload.  

Download the PDF (1.1 MB)
Read online

Click to read more ...

Friday
Jan212011

Saving and Internal Lending Communities: An Approach for Improving Life and Wellbeing of PLWHA and OVC

CRS/Rwanda has integrated SILC across programming in projects such as agriculture, health, nutrition and HIV & AIDS since 2005. Recently, 942 SILC groups saved a total of $128,473 and provided $34,463 in loans to help members meet household and productive needs.

Download the PDF (124 KB)

Click to read more ...